common travel insurance claims

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How Do Travel Insurance Claims Work?

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How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

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How to Make The Most of a Travel Insurance Claim

More travelers are buying insurance. If your trip is canceled, take these steps to increase your chances of recovery.

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 The same tricky travel climate that can derail vacation plans abruptly is also starting to overwhelm the insurers compensating travelers for those disruptions. Changing pandemic protocols in the U.S. and abroad, COVID spread, nonrefundable reservations, and canceled or delayed flights made travel insurance a desirable—sometimes even required—safety net.          In a recent survey, travel insurer Allianz Partners USA found that 90% of its customers said they’re likely to buy travel insurance for their next trip. And Squaremouth, a travel insurance comparison site that also tracks trip insurance purchases in real time, reports that 42% of summer 2022 travelers specifically sought out coverage for contracting COVID-19, including cancellation, medical and quarantine benefits. That number represents a nearly 10% jump from the same time last year.        More buyers of the insurance mean more claims. Squaremouth’s data analysis shows a whopping 235% increase in claims from January to June this year, compared to the same time frame in 2019. And experts warn that volume, filing errors and confusion are clogging the system and producing delays. What previously took days or weeks to process could now potentially take months, industry watchers say. “The majority of claims are from travelers who contract COVID-19 either before or during their trip,” says Megan Moncrief, chief marketing officer at Squaremouth. “This is causing extended claims processing times throughout the industry.”           Contributing to the spike in claims is that many U.S.-based insurance providers expanded their standard policies to cover cancellations or delays due to illness, individually ordered quarantines, denied boardings and other events caused by COVID-19 or future epidemics. Previously, only a pricier policy upgrade, Cancel for Any Reason, offered worried travelers such broad protection that it would have covered disruptions from pandemics, but that peace of mind generally increases a policy’s premium 40% to 50%.        With claims expected to continue rolling in at an blistering pace, how can travelers expedite a claim and avoid mistakes that can prolong resolution? Here are some tips to keep in mind.  

10 Things to Know About Hurricane Insurance Claims

 Know what counts as proof of COVID 

 Moncrief calls this “the biggest misconception” right now. Many travelers who contract COVID misunderstand the documentation required to verify the diagnosis when making a claim. An at-home test usually isn’t enough, she says. In most cases, insurers want to see a PCR, or a test given by a medical professional, along with a doctor’s note confirming a positive result. What’s more, self-isolation due to exposure typically is not covered, she says. 

 Understand policy coverage and benefit limits 

 Let’s say you fall ill and are unable to return home as planned. Most policies can cover meals and accommodations for your delayed departure, as well as transportation expenses. But “this is not an unlimited pot of money,” Moncrief says. The typical benefit might range from $1,000 to $2,000 per traveler, with a daily limit. To minimize out-of-pocket expenses, know exactly what the threshold is and spend accordingly.  

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 Don’t get tripped up by vouchers 

 Often, airlines will offer a voucher for future travel (in lieu of a refund, to which you are always entitled) when a flight or booking is canceled. But is the reason for the dropped flight covered by your travel insurance policy? If it is, you must decline the voucher and cancel the flight outright to claim that expense. Squaremouth notes that insurers are denying more claims because some travelers accept the voucher and then try to claim the cost of the flight. 

  Document everything 

 When you’re filing a claim, proof is everything. Before they can process a claim, travel insurers will need all the evidence that proves your loss. Keep cash and credit card receipts for expenses you incur, and gather documentation. For example, a statement from the airline about lost luggage along with an inventory detailing the value of what was lost may be sufficient for reimbursement, and a diagnostic note from a doctor may satisfy medical claims. Take photos of that proof in case the paper copies are misplaced or lost. 

 Report promptly 

 Expedite a claim by filing as soon as possible and submit it via email or the insurer’s online portal. The time frame for filing a claim varies depending on the company and the policy, but the clock starts ticking from the date of your loss. Typically, there’s a 90-day window to submit a claim and documentation, although some insurers shrink that time frame.           A last note: If you book a trip with a credit card that offers travel insurance, you may be able to recoup some costs, perhaps related to cancellation, interruption or delayed or lost baggage. Not all cards, however, have the same coverage, and each will set strict limits. Check the benefits guide for your specific credit card to determine the scope of coverage it guarantees and the rules for making a claim 

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How to File a Travel Insurance Claim Online

Tips for filing your travel insurance claim

Even with an easy-to-follow online solution, filing any insurance claim is hardly an everyday experience. If you need additional assistance while submitting your claim, don’t hesitate to reach out to Allianz Global Assistance’s team of travel insurance experts at 1-866-907-3045.

We even took some time to chat with our team members to learn about some of the common errors travelers make when filing claims so that we could pass them onto you. These mistakes include failing to check your travel insurance plan’s benefit limits. You’ll want to eyeball your plan’s benefit limits for prepaid, nonrefundable expenses as well as add up the value of your packing list. It might impact which travel insurance plan you pick — or whether you wear that nice dress on the plane or pack it in checked baggage. Another area that’s sometimes overlooked is submitting all required documents for a claim. As noted above, we’ve prepared lists of all the critical items for each type of claim. ( See other common travel insurance claim errors here .) 3

Don’t forget, once you submit your claim, you’re going to want to check its status. There are a few ways to do so, including checking online — or even easier — using our Allyz ®  TravelSmart app .

When travel plans go south, you just want to be able to pick up the pieces, quickly and easily. After all, that’s why you purchased a travel insurance plan. At Allianz Global Assistance, we’ve designed our claims process to be “smooth sailing” – even if your getaway wasn’t.

Related Articles

• Four Insider Tips for Filing a Travel Insurance Claim
• 7 Receipts You May Need to File a Travel Insurance Claim
• What Does Travel Insurance Cover?
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Filing a Travel Insurance Claim: Step by Step Guide

Last Updated: March 8, 2023 October 4, 2023

In a perfect world, there would be such a thing as risk-free travel. Unfortunately, no matter what type of trip we are planning, there’s always the chance that things go wrong. Travel insurance exists to offer protection from the unexpected, and mitigate the financial risks associated with traveling. 

In the unfortunate event that you encounter travel issues, it’s important to know the steps needed to be reimbursed by your travel insurance provider through filing a claim. 

How to Claim Travel Insurance

Having to file a travel insurance claim can seem like a bothersome, daunting process. However, it doesn’t have to be.

If you’ve experienced travel disruptions or need to be reimbursed for other covered reasons, there are steps you can take today to begin filing your claim and make the process as seamless as possible. Squaremouth breaks down how travel insurance claims work.

Step 1: Review Your Policy Details 

This step should really be done well before you get to the stage of filing a claim. Whether you have a single trip or annual plan, understanding your travel insurance policy is crucial when determining if you are entitled to reimbursement. In fact, misunderstanding coverage is one of the most common reasons for denied travel insurance claims.

To review your policy details, it’s recommended to read your travel insurance certificate. This would have been sent to you shortly after purchasing your policy. The certificate details the benefits, coverage limits, and any important exclusions found in your specific policy.

For example, this certificate will outline how long you must be delayed before coverage kicks in, and how much medical reimbursement you may be entitled to. In addition, these policy details will also include the contact information of your provider, should you need to file a claim.

Step 2: Contact Your Travel Insurance Provider

If your trip is impacted and you believe you are eligible for reimbursement, it’s advised to get in touch with your provider as soon as reasonably possible. For example, in the event you experience a medical emergency, you should seek treatment first, and call your insurance company when you are able to. 

The reason it’s important to contact your travel insurance provider early on in the process is because they are able to provide important policy information in real-time. They will be able to offer advice, inform you on coverage options, and help guide you through the start of the claims process.

Step 3: Get Your Documents in Order

When filing, you will need to have evidence that supports your claim. For this reason, it’s important to have all documentation related to your loss. This includes any receipts related to expenses you’ve paid and any refunds you may have received. 

Documents that may be relevant to your claim include: 

• Airline, hotel, rental car, and excursions receipts
• Cancellation notices from prepaid bookings
• Delay notices from airlines
• Medical and emergency services bills
• Notes from licensed physicians 
• Correspondence with relevant parties
• Police reports
• Unused tickets
• Refunds received during your trip

Keeping either physical or digital copies of the above documents, as well as any other applicable files, will help make the claims process as smooth as possible.

Step 4: File Your Claim

Once you’ve contacted your insurance provider and collected all relevant documentation, you can now submit your claims form to your travel insurance provider. 

Most travel insurance companies allow policyholders to file a claim over the phone, through their website, or through their app if they have one. As you go through the process, your provider will clearly outline what’s needed in each step, and will contact you if any additional items are needed.

In most cases, it’s most efficient to file your claim online. That way, you can upload your documentation digitally all at once, rather than relying on email.

How Long Does A Travel Insurance Claim Take?

The timeframe of your specific claim will largely depend on the provider, the complexity of your claim, and how quickly the provider receives all necessary documentation. 

Being knowledgeable of your policy and organized are two great ways to give yourself the best chance of a quick and easy claims process.

What If My Travel Insurance Claim is Denied?

If you feel your claim was incorrectly denied, there are actions that you can take to try and correct the decision. 

First, you may have an opportunity to file an appeal with your insurance provider. If your claim was rejected because you filed the claim incorrectly, did not attach required documentation, or made mistakes when filling out a form, you should get in contact with your provider to remedy the situation.

Another way to protect yourself from denied claims is to purchase a policy with a Zero Complaint Guarantee , a level of security attached to every policy bought through Squaremouth. With the Zero Complaint Guarantee, our licensed claims adjusters will investigate your case and mediate with your provider on your behalf.

If all else fails, travelers may also file a complaint with their state’s Department of Insurance. This service is designed to investigate cases where consumers have been wrongfully denied a claim by their insurance provider. This process is not guaranteed to overturn a claim decision, but offers another layer of protection for travelers in the event their case was rejected.

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Common travel insurance claims

Delayed flights, lost baggage, stolen credit cards...you're not alone. here are some common travel insurance claims and how to avoid these situations..

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Lost or stolen luggage

Lost or stolen money and cards, illness or injury, cancelled flights and delays, lost, stolen or damaged items, what are some common claims in bali, ensuring a successful claim, more stories about travel, get travel insurance and protect yourself from these events.

Destinations

Overseas travel can be an exhilarating experience, but it can also have its dangers for the unprepared traveller. The most common travel insurance claims are those associated with the three main areas of risk: luggage or personal items damaged or lost, cancellations and overseas medical expenses.

While none of these risks is entirely avoidable, all can be mitigated by observing the following simple precautions. This guide looks at the most common claims seen every day by travel insurance companies and offers a few tips on how to reduce your exposure to these risks when travelling overseas.

• Place identification labels on each of your pieces of luggage, with your name and details clearly displayed.
• Remove any old destination stickers from your bags to avoid confusion.
• If your luggage looks like everyone else’s, use something distinctive such as a bright piece of ribbon tied to the handle to reduce the likelihood that someone will pick up your bag from the carousel by mistake.
• When your aircraft lands, proceed straight to the luggage carousel and wait for your luggage to appear. The longer you leave it and the more times it is allowed to travel around and around on its own, the more likely it is to go missing.
• If your luggage does go missing , notify airport authorities immediately and obtain a written report from them for insurance purposes.
• If your bags are delayed, obtain a baggage delay report from the airline so you can claim for the purchase of emergency essentials.

When doesn't travel insurance cover you?

While conditions vary from insurer to insurer, you won't have cover if:

• You left your luggage unattended
• You do not report the loss, theft or misplacement within the time frame specified by your insurer
• Your valuables were in your checked luggage
• Your claim is for a bicycle
• Your claim is for loss of cash, travellers cheques, etc
• You left your luggage in a vehicle

Find out how to lodge a successful travel insurance claim

Losing your cash or credit cards in a foreign country can put you in a difficult and dangerous situation. It’s a common travel insurance claim and one that could be reduced or avoided altogether with a little forethought and preparation.

• Carry your wallet in an inside pocket or money belt, well out of reach of pickpockets.
• Carry your cash and credit cards separately on your person, so that if one is stolen you will still have access to another source of funds.
• When possible, don't carry all your credit cards together. Keep one locked in a hotel safe as an emergency backup.
• Hold onto your bag or purse tightly on public transport and wear your shoulder bag across your chest rather than on your shoulder (to prevent snatch and grabs).
• Avoid areas that are run down or poorly lit at night.
• You won't have cover if the funds were not on your person at the time they were stolen
• You are unable to provide your insurer with a written statement of the card

Read more about travel money cards

Finder survey: How many Australians have made a travel insurance claim?

Falling ill or being involved in an accident overseas can be a traumatic and potentially costly experience, especially if you don’t have overseas medical cover.

While it’s a frequent travel insurance claim, there are ways to minimise the chances of it happening to you.

• Make sure you visit your doctor and have the recommended vaccinations for the country(s) you are planning to visit.
• If you are travelling to a developing country, avoid eating street food and only drink bottled water.
• If you are on medication, make sure to take enough with you and bring its original packaging to avoid having it confiscated at customs.
• If you are planning to participate in high-risk activities during your holiday such as bungee jumping or whitewater rafting, make sure it is done safely through a legitimate and licensed service provider. Also check that your insurance policy covers the activity.
• You decline to promptly follow the medical advice of your insurer
• Your claim is in relation to a preexisting condition
• You are travelling against the advice of a doctor
• You were treated under a Reciprocal Health Care Agreement

Want to know more about medical travel insurance?

Flight cancellations and delays happen all the time and are a regular reason for travel insurance claims. While you can’t control the actions of your carrier, you can take steps to ensure that you aren’t the cause of the problem yourself.

• Check flight details regularly to be aware of any delays or changes to gate numbers.
• Book your flights early in the day to avoid the "flow-on" effect of flight delays.
• Be at the airport with plenty of time to spare and be at your gate well before it is time to board.
• If the reason for your trip being cancelled is beyond your control (illness or death of a relative), make sure you obtain all the necessary paperwork to facilitate a claim such as doctor’s certificate, or proof of relationship.
• You were aware of the reason your journey was cancelled, abandoned or shortened, prior to taking out the policy
• You are cancelling your trip due to the death or sickness of relative who does not meet your policies conditions
• You change you plans
• Your tour is cancelled because the operator failed to sell enough tickets
• Your claim is related to insolvency of a transport provider
• You claim is due to an act of terrorism

Find out more about cancellation travel insurance

Travelling with valuable items such as a camera, laptop or smartphone? While you can’t prevent an item from being damaged or stolen, you can take steps to make that less likely to happen.

• Store fragile items such as laptops and tablets safely when not in use to prevent them from being accidentally damaged.
• Secure your valuable items in the hotel safe when not with you.
• Pay attention to your belongings when you are out in public.
• If items are stolen, be sure to get a police report for insurance purposes (must be obtained within 24 hours of the theft being discovered).
• Make sure the individual benefit amounts in your travel insurance are enough to cover item replacement and increase them if they aren’t.
• Your loss is for anything you left in a hotel or motel room
• Your claim is for bank notes, cash, travellers cheques, etc
• The loss is for a bicycle
• Your luggage were sent unaccompanied
• Your loss is for wear and tear
• Your personal items were left unattended

Many tourists holiday in Bali because of its low cost and proximity to Australia. This island paradise sees its fair share of travel insurance claims, predominantly for motorcycle mishaps, exposure to dengue fever and Bali belly. A little caution can go a long way towards reducing the number of claims visitors to Bali make every year.

• Don’t drink the local water (including ice) or eat food that has been prepared using the water (such as salads).
• Reduce the chances of being bitten by mosquitoes by covering up and by not visiting Bali during the wet season.
• Make sure you have the appropriate licence when riding a motorcycle or moped and are dressed appropriately, including a helmet. Be particularly cautious in traffic, which can be chaotic at the best of times.

Find out more about more travel insurance for Bali

• Contact your insurer as soon as possible. The longer you wait, the less likely it is that your insurer will honour your claim or pay the full benefit amount. Report the incident as soon as possible after it occurs. If you are ill or injured, have someone contact your insurer on your behalf.
• Obtain all necessary documentation. If it’s a stolen property claim, make sure you have a police report and that you get it within 24 hours of the incident. If it’s a lost luggage claim, be sure to get a lost baggage report from the airport. And if it’s a medical claim, you’ll need paperwork from the doctor or hospital detailing your treatment and costs.
• Be honest and upfront at all times. Don’t try and claim for things you aren’t entitled to or lie about circumstances. Insurers hear a lot of tall stories and know how to sort truth from fiction, so be upfront about everything if you want your claim to be successful.

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Richard Laycock

Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance.

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had a car accident car wont be ready before i leave will travel insurance cover for cancelling trip

Thanks for your message and for contacting finder.

We’re sorry to hear that you were in a car accident. Hope everything is okay now.

Flight cancellations and delays happen all the time and are a regular reason for travel insurance claims.

If the reason for your trip being canceled is beyond your control (illness or death of a relative), make sure you obtain all the necessary paperwork to facilitate a claim such as a doctor’s certificate, or proof of relationship.

Also, to ensure that your claim goes smoothly, take note of a few things below:

1. Contact your insurer as soon as possible. The longer you wait, the less likely it is that your insurer will honour your claim or pay the full benefit amount. Report the incident as soon as possible after it occurs. If you are ill or injured, have someone contact your insurer on your behalf. 2. Obtain all necessary documentation. If it’s a stolen property claim, make sure you have a police report and that you get it within 24 hours of the incident. If it’s a lost luggage claim, be sure to get a lost baggage report from the airport. And if it’s a medical claim, you’ll need paperwork from the doctor or hospital detailing your treatment and costs. 3. Be honest and upfront at all times. Don’t try and claim for things you aren’t entitled to or lie about circumstances. Insurers hear a lot of tall stories and know how to sort truth from fiction, so be upfront about everything if you want your claim to be successful.

Hope this helps!

Best regards,

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EXPERT ADVICE FOR YOUR BUSY LIFE.

Most Common Travel Insurance Claims

Posted July 22 2014

Knee sprains, strains, and tears are some of the most common travel insurance claims submitted. Knees are unfortunately fairly easy to damage, whether you are an active sports enthusiast enjoying exotic leisure pursuits or just a traveler stepping off a curb. Head injuries are also a common injury seen in slip and fall cases; while remaining alert and focused on your surroundings can help protect you from harm, something as simple as an unseen puddle of water can cause a slip that will derail your entire holiday. Without travel insurance in place, even minor injuries can become a major problem.

Cardiac Arrest / Strokes / Respiratory Claims

It is easy to overextend yourself while on vacation; even a slow-paced walking tour can cause a stroke or cardiac arrest if the weather is too warm or the elevation too high. If you do not have travel insurance, you could be facing hospital and doctor charges in the thousands of dollars in order to receive medical care. If you are in a region that has substandard medical facilities, you will need emergency medical evacuation to a facility that can provide proper treatment. Medical evacuation insurance can completely cover the cost of your evacuation, depending on the coverage options you choose.

Transportation-Related Accident Claims

Transportation accidents can strike at any time, in any country, regardless of how careful you are, because you have no control over other drivers. Transportation injuries commonly occur with every type of locomotion, including automobiles, bicycles, and scooters; even pedestrians are not safe. These claims vary greatly in severity, from minor whiplash to severe bodily harm; travel insurance covers them all.

Gastrointestinal Issues / Regional Illness Claims

Food poisoning, unclean water, parasites, and changes in diet make gastrointestinal issues one of the most common medical threats that travelers face. Regional illnesses, such as malaria, dengue fever, and exotic bug bites can make travelers so ill that they end up hospitalized for days or even weeks at a time. Without travel insurance in place, expenses for treatment can be so costly that they negatively affect your financial wellbeing as well as your physical health.

Protect your travel plans - and your finances - with a travel insurance plan from MHG Insurance Brokers . Each of our plans offers a choice of geographic area of coverage, policy deductible/excess and, in some cases, choice of coverage limit. MHG Insurance Brokers offers a variety of comprehensive coverage for travelers, including trip cancellation , extreme sports insurance , and many more plans.

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience!

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• How to Get Travel Insurance Claims Settled
• Travel Insurance Claims

Most people don’t really read their travel insurance policy until they need to make a claim on it, and then it can often present one or two nasty surprises.

People get very upset, naturally, if their claim is rejected by the insurance company, whatever the reason.

It can be a real help to understand the reasons why insurance companies tend to reject claims, as people can then be prepared in advance to make sure that if their claim is legitimate they have solid ground on which to pursue it and have it settled.

Below is a list of the most common reasons why claims are rejected, followed by a number of articles looking at some of the reasons in more detail :

Some common reasons for travel claims being rejected:

• Not Filling in a Claims Form Properly: Failing to provide all the required information or providing inaccurate details can lead to claims being rejected. It’s essential to fill out the claim forms accurately and include all necessary supporting documentation.
• Policy Exclusions: Most travel insurance policies have specific exclusions and limitations. Claims for events or circumstances that fall under these exclusions may be rejected. Common exclusions include pre-existing medical conditions, certain high-risk activities, and events caused by illegal or reckless behaviour.
• Late Filing or Notification of a Claim : Insurance companies typically have strict deadlines for filing claims. Failing to submit a claim within the specified timeframe may result in rejection. It’s crucial to be aware of these deadlines and submit a claim as quickly as possible .
• Lack of Proper Documentation: Claims often require supporting documentation, such as medical reports, police reports, or receipts. Failure to provide the necessary documents or evidence to substantiate the claim can lead to the claim being rejected.
• Unapproved Expenses: Some policies may have restrictions on the types of expenses that can be claimed. If the incurred expenses are not covered under the policy, the claim may be rejected. It’s important to review the policy terms and conditions to understand what is covered.
• Failure to Notify the Insurance Company: In certain situations, policyholders are required to inform the insurance company promptly, usually within specified time limits, such as in the case of medical emergencies or trip cancellations. Failure to notify the insurer within the specified time frame may result in the claim being rejected.
• Policy Lapses or Non-Payment of Premiums: If the policy has lapsed due to non-payment of premiums, the coverage may no longer be in effect, leading to the claim being rejected. It’s important to maintain the policy in good standing by paying premiums on time.
• Misrepresentation: Providing false information during the application process or when filing a claim can result in the denial of the claim. It’s essential to be honest and transparent when dealing with the insurance provider. False information can mean either providing information that isn’t true, or not telling them something that is relevant to the policy, i.e. by omission
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Navigating the Unpredictable: Unpacking the Most Common Travel Insurance Claims and How to Handle Them

Navigating the unpredictable: unpacking the most common travel insurance claims and how to handle them .

By: Redpoint Travel Protection

Travel is, by nature, an unpredictable endeavor. We plot our journeys with meticulous detail, but life has a way of inserting unexpected plot twists. It’s these unforeseen curveballs that make travel insurance such a vital companion on our explorations. From medical emergencies to misplaced luggage, travel insurance is your lifeline when things veer off the itinerary. In this post, we’ll take a deep dive into the most common travel insurance claims and provide clear guidelines on what to do should you find yourself facing these predicaments. 

Medical Emergencies 

By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain. If you find yourself in this unfortunate scenario, it’s crucial first to seek immediate medical attention. Afterwards, get in touch with your travel insurance provider as soon as possible, ensuring you have all your medical documents at hand to file your claim effectively. 

Trip Cancellation or Interruption 

The second most common claim revolves around trip cancellations or interruptions. Unforeseen events like illness, personal emergencies, or even global crises can throw a wrench in the best-laid travel plans. In such cases, you should inform your insurance provider immediately. You’ll need to provide substantial evidence for the reason behind the interruption or cancellation, such as a doctor’s note for medical emergencies or documented proof of a significant event. 

Lost, Damaged, or Stolen Luggage 

There’s little as frustrating as arriving at your destination only to discover your luggage took an entirely different trip. Loss of personal belongings can cast a shadow over any trip, but that’s where travel insurance swoops in to save the day. In the event of lost, damaged, or stolen luggage, make sure to report the incident to the relevant authorities or airline and obtain a written report. Contact your insurance provider promptly with these details to start your claim process. 

Travel Delays

In the realm of travel, delays are virtually a given. Whether it’s a missed connection due to a late inbound flight or a cancellation due to adverse weather conditions, travel delays can disrupt your plans significantly. With travel insurance, you can claim costs incurred as a result of these unexpected delays. Always keep all documents and receipts related to your delay as your insurance provider will require them when you file a claim. 

Now that we’ve covered the most common claims, let’s delve into some key steps on how to make an insurance claim: 

Step 1: Contact Your Insurance Provider 

The first step after any mishap is to contact your insurance provider. Most insurers have 24/7 hotlines for such emergencies. They’ll guide you on how to proceed, what documents you need, and how to submit your claim. 

Step 2: Document Everything 

Insurance claims thrive on evidence. Therefore, it’s crucial to document everything related to your claim. For medical emergencies, keep a record of all medical reports, prescriptions, and invoices. For lost luggage or travel delays, maintain all related receipts and correspondence with airlines or authorities. 

Step 3: Submit Your Claim Promptly 

It’s essential to file your claim as soon as you can to avoid missing out on your coverage due to time restrictions. 

The realm of travel insurance can be a maze of complexities. Still, by understanding the most common claims and knowing how to navigate the claim process, you can ensure you’re prepared for any surprises your travels may throw at you. Remember, the purpose of travel insurance is to be your safety net in unfamiliar territory. It’s there to support you when unforeseen circumstances threaten to disrupt your journey, bringing you peace of mind and financial protection when you need it most. 

Once you’ve submitted your claim, ensure you follow up if necessary. Keep track of your claim’s status and be proactive in providing any additional information that your insurer might need. 

In closing, while we all hope to avoid the need for making travel insurance claims, the reality is that unexpected incidents do occur. By understanding the most common types of claims and how to handle them, you can take control of such situations, ensuring that your journey doesn’t end on a sour note. 

With the right approach and proactive handling of the claim process, you can turn what might initially feel like a nightmare into a minor bump on your travel road. So, the next time you’re preparing for a trip, give your travel insurance policy the attention it deserves. Understand what it covers and the process of making a claim. That way, if life does throw a curveball your way, you’ll be ready to hit it out of the park. 

Remember, travel is as much about the journey as it is about the destination, and a comprehensive travel insurance policy ensures that no matter what comes your way, your adventure can go on. 

About Redpoint Travel Protection

Redpoint Travel Protection is a one-of-a-kind protection provider. It provides an extensive suite of travel insurance products and emergency services for individuals and groups of all sizes. Backed by a seasoned team of experts, Redpoint offers unparalleled peace of mind to adventurers across the globe. With services such as trip cancellation, interruption, delay, and baggage loss insurance, to emergency medical and evacuation services, Redpoint ensures your safety and satisfaction are top priorities. Our services are tailored to meet the diverse needs of travelers, whether it’s an international family vacation, a solo adventure, or a corporate trip. Leveraging innovative technology and a responsive, 24/7 customer support, Redpoint effectively addresses contingencies, enabling clients to explore with confidence. Choose Redpoint Travel Protection, your reliable partner in ensuring safe, secure, and worry-free journeys. 

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What To Do If A Travel Insurance Claim Is Denied

Published: December 18, 2023

Modified: December 28, 2023

by Bernette Loza

• Sustainability
• Travel Tips

Introduction

Understanding the Importance of Travel Insurance Claims

Travel insurance is a crucial safety net for individuals embarking on domestic or international trips. It provides financial protection against unforeseen events such as trip cancellations, medical emergencies, and lost luggage. However, there are instances when a travel insurance claim may be denied, leaving policyholders feeling frustrated and uncertain about their options.

In this comprehensive guide, we will explore the common reasons for claim denials, the importance of reviewing your policy, the process of appealing a denial, and the potential recourse of seeking legal assistance. By understanding these essential steps, you can navigate the complexities of travel insurance claims with confidence and clarity.

Whether you're planning a leisurely vacation, a business trip, or an adventure-filled journey, having a solid grasp of the claim denial process can mitigate potential stress and ensure that you are adequately prepared for any unexpected challenges that may arise during your travels. Let's delve into the intricacies of travel insurance claim denials and the proactive measures you can take to address them effectively.

Understanding the Reasons for Denial

Common Factors Leading to Travel Insurance Claim Denials

When a travel insurance claim is denied, policyholders are often left bewildered and frustrated, wondering why their legitimate request for coverage has been turned down. It is essential to comprehend the common reasons behind claim denials to navigate this challenging situation effectively.

One prevalent reason for claim denials is the failure to meet the specific criteria outlined in the policy. This can include submitting incomplete documentation, exceeding the time limit for filing a claim, or engaging in activities not covered by the policy, such as extreme sports or pre-existing medical conditions.

Another factor contributing to claim denials is the lack of transparency during the application process. Failing to disclose pertinent information or providing inaccurate details can lead to claim rejections, as insurers rely on the accuracy of the information provided to assess risk and determine coverage.

Furthermore, certain circumstances may be excluded from coverage based on the policy’s terms and conditions. These may encompass events such as acts of terrorism, civil unrest, or natural disasters in specific regions, which insurers may deem as high-risk and therefore not within the scope of coverage.

Understanding these common reasons for claim denials is pivotal in preparing for potential obstacles when filing a travel insurance claim. By familiarizing yourself with the intricacies of policy requirements and coverage limitations, you can take proactive measures to mitigate the risk of denial and ensure that your claim aligns with the insurer’s guidelines.

Reviewing Your Policy

Key Steps to Assessing Your Travel Insurance Policy

Upon encountering a denied travel insurance claim, it is crucial to conduct a comprehensive review of your policy to gain clarity on the coverage details, exclusions, and the specific reasons for the denial. This proactive approach empowers policyholders to understand their rights, obligations, and potential recourse options.

Begin by carefully examining the policy documents provided by your insurer. Pay close attention to the coverage limits, exclusions, and the terms and conditions that may impact the eligibility of your claim. Understanding the intricacies of your policy will enable you to identify any discrepancies or misunderstandings that may have led to the denial.

Next, assess the documentation submitted with your claim. Ensure that all required forms, receipts, and supporting evidence are complete, accurate, and aligned with the insurer’s stipulations. By meticulously reviewing the submitted documentation, you can identify any potential shortcomings that may have contributed to the denial and take steps to address them effectively.

If you encounter challenges in deciphering the policy language or interpreting the reasons for the denial, consider seeking clarification from your insurer or a qualified insurance professional. Their expertise can provide invaluable insights and guidance, shedding light on complex policy provisions and assisting you in navigating the appeals process with confidence.

Ultimately, a thorough review of your travel insurance policy equips you with the knowledge and understanding needed to proceed strategically in addressing a denied claim. By proactively engaging with your policy details and seeking clarification where necessary, you can position yourself to pursue the appropriate course of action with clarity and confidence.

Appealing the Decision

Navigating the Process of Appealing a Denied Travel Insurance Claim

When faced with a denied travel insurance claim, policyholders have the option to appeal the decision through a structured and well-informed process. By understanding the steps involved in the appeals process, individuals can present their case effectively and seek a fair reassessment of their claim.

Initiate the appeals process by thoroughly reviewing the denial letter provided by the insurer. This document typically outlines the specific reasons for the denial and serves as a foundational resource for constructing your appeal. Pay close attention to the stated grounds for denial and assess how they align with the details of your policy and the circumstances surrounding your claim.

Upon identifying the grounds for appeal, gather any additional documentation, evidence, or expert opinions that support your case. This may include medical records, police reports, or testimonials from relevant authorities. By presenting a comprehensive and compelling case supported by tangible evidence, you can strengthen the merit of your appeal and increase the likelihood of a favorable outcome.

Compose a clear and concise appeal letter addressing the reasons for the denial and providing a detailed account of the circumstances surrounding your claim. Articulate your case with precision, emphasizing key points and addressing any discrepancies or misunderstandings that may have led to the denial. Ensure that your appeal letter is structured, professional, and aligned with the guidelines specified by your insurer for the appeals process.

Submit your appeal and supporting documentation to the designated department or individual within your insurer’s organization. Adhere to any specified timelines and procedural requirements to ensure that your appeal receives prompt and thorough consideration. Maintain open communication with your insurer throughout the appeals process, seeking updates and clarification as needed to facilitate a transparent and constructive dialogue.

By navigating the appeals process with diligence and strategic acumen, policyholders can present a compelling case for the reconsideration of their denied travel insurance claim. This proactive approach demonstrates a commitment to upholding the integrity of the policy and seeking a fair resolution in alignment with the coverage provisions and contractual obligations.

Seeking Legal Assistance

Exploring the Option of Legal Support for Addressing Denied Travel Insurance Claims

Addressing a denied travel insurance claim can be a complex and challenging endeavor, particularly when policyholders encounter significant obstacles in the appeals process. In such instances, seeking legal assistance from professionals with expertise in insurance law and claim disputes can provide invaluable support and guidance.

Legal professionals specializing in insurance law possess a nuanced understanding of policy provisions, contractual obligations, and the legal framework governing insurance claims. By engaging the services of a qualified attorney or legal firm, policyholders can benefit from strategic counsel and representation throughout the process of addressing a denied claim.

Upon consulting with legal experts, policyholders can gain clarity on the legal aspects of their claim denial, including the potential grounds for challenging the decision, relevant statutes and regulations, and the procedural requirements for pursuing legal recourse. This informed perspective empowers individuals to assess the viability of legal action and make well-informed decisions regarding the next steps in addressing their denied claim.

Legal professionals can undertake a comprehensive review of the policy, the circumstances surrounding the claim, and the reasons for denial to identify potential legal avenues for pursuing a fair resolution. This may involve assessing the insurer’s compliance with regulatory standards, evaluating the application of policy provisions, and formulating a strategic approach to advocating for the policyholder’s rights and entitlements.

In cases where the denial of a travel insurance claim involves significant financial losses, complex legal issues, or disputes regarding coverage interpretation, legal assistance can serve as a pivotal resource in navigating the complexities of insurance claim disputes. Legal professionals can represent policyholders in negotiations with the insurer, advocate for a fair reassessment of the claim, and, if necessary, pursue legal action to seek a just resolution.

By considering the option of seeking legal assistance, policyholders can access the expertise and support needed to address denied travel insurance claims with a proactive and informed approach. Legal professionals can provide tailored guidance, advocacy, and representation, empowering individuals to pursue a fair resolution in alignment with their policy coverage and contractual entitlements.

Navigating Denied Travel Insurance Claims with Knowledge and Resilience

Encountering a denied travel insurance claim can be a disheartening experience, often leaving policyholders feeling uncertain about their options and the path forward. However, by equipping yourself with a comprehensive understanding of the reasons for denial, the importance of reviewing your policy, the process of appealing the decision, and the potential recourse of seeking legal assistance, you can navigate this challenging situation with resilience and determination.

When faced with a denied claim, it is essential to approach the situation with a proactive mindset, seeking clarity on the specific grounds for denial and the corresponding provisions within your policy. By reviewing your policy and the reasons for denial, you can identify potential discrepancies, misunderstandings, or overlooked details that may have contributed to the denial, enabling you to address these effectively.

The appeals process presents an opportunity to present a compelling case for the reconsideration of your denied claim. By gathering supporting documentation, composing a structured appeal letter, and engaging in open communication with your insurer, you can advocate for a fair reassessment of your claim and pursue a just resolution in alignment with your policy coverage.

For complex or contentious claim denials, seeking legal assistance from professionals specializing in insurance law can provide invaluable support and guidance. Legal experts can offer strategic counsel, representation, and advocacy, empowering you to navigate the complexities of insurance claim disputes and pursue a fair resolution in accordance with your contractual entitlements.

Ultimately, addressing a denied travel insurance claim requires a combination of knowledge, resilience, and strategic acumen. By leveraging the insights and proactive measures outlined in this guide, you can approach the process with confidence, advocate for your rights as a policyholder, and pursue a fair resolution that aligns with the coverage provisions and contractual obligations of your travel insurance policy.

Remember, when faced with a denied claim, you are not alone. By staying informed, seeking guidance where needed, and maintaining a proactive stance, you can navigate the complexities of denied travel insurance claims with resilience and determination, ultimately seeking a fair and just resolution.

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The 6 most common travel mishaps, according to an insurance CCO

Travel doesn't always run smoothly. We asked PassportCard for the most common inurance claims they see.

| THIS ARTICLE WAS CREATED IN PARTNERSHIP WITH PassportCard |

--> BY Louis Costello

Last updated . 19 March 2024

There aren’t enough Excel spreadsheets in the world to prevent random incidents on holiday – they happen to the best of us. So it’s wise to prepare in other ways.

Matthew Murdoch has heard every travel story under the sun. As chief customer officer at PassportCard , he’s well versed in the trials and tribulations that can lead to travel insurance claims.

“We’re a new, innovative travel insurance company in Australia with the ability to support our customers when they’re travelling anywhere overseas,” says Matthew. “Our unique value proposition is the PassportCard, as it allows us to make instant payouts to customers for our most common types of claims when they’re overseas.

“We issue a physical debit card with a nil balance to our customers when they purchase a policy. Then, if they need any help when they’re overseas, they call the 24/7 team. If they experience one of those common claims, we can just put money onto the card in real time and they can use that to pay for the costs.”

This process is quite new to Australians, as most travel insurance companies work the other way around – you pay out of your own pocket first, then wait to see if you’re reimbursed. Instant cash to alleviate financial stress when you’re already panicking about a holiday hiccup? Sounds ideal.

So what are the most common forms of travel turmoil? We asked Matthew to break it down.

Matthew Murdoch, PassportCard Chief Customer Officer.

1. Unexpected illnesses and accidents

It’s practically impossible to anticipate a mystery illness when you’re travelling. And unfamiliar territory can lead to spontaneous decision making that’s dubious at best.

“Sickness overseas accounts for about 30 per cent of overall claims, particularly gastrointestinal issues or respiratory infections, so things like cold and flus,” Matthew explains. “We have a lot of claims data so we know how much it costs to see a doctor in New York, for example. We then put that amount of money onto the card and our customers can pay the doctor on the spot, without being out of pocket.”

While there’s no way to predict when and if you’ll get sick as you gallivant around the globe, having a backup plan for worst-case scenarios can offer a certain level of comfort.

You never know when accident or illness will arise. (Image: Andrei Mike)

2. Stolen items

Whether it’s happened to you or someone you know, frequent overseas travellers are no stranger to their possessions being targeted by sticky fingers.

“In cities where tourists kind of stand out, where there’s a lot of foot traffic, like Rome, Paris and Barcelona, we see a lot of pickpocketing,” says Matthew.

“Usually it’s luck of the draw; they’re pretty smart and pretty tricky, a lot of these pickpockets. We will usually ask our customers if they reported it to the police or authorities to get an idea of the circumstances, but as long as they’re keeping reasonable care of their items that’s totally fine.”

Again, ensuring you’ve sorted travel insurance prior to a trip can save many a headache, both literally and figuratively.

No matter where you are, things can be lost or stolen. (Image: Dino Reichmuth)

3. Damaged, delayed and lost luggage

Unfortunately for us, we can’t embark on a holiday with everything we own strapped to our bodies. There are times when we have to be separated from our luggage and possessions, which is exactly when they can get misplaced or damaged – primarily during transit.

Matthew says, “It could be lost by the airline, it could be that you’ve misplaced your items and are unable to retrace them, or it could be damaged items.

“We had one the other day we see quite frequently – this person put fish sauce in their luggage. And when that’s put in the check-in bag it tends to destroy the contents.”

Ideally, unless it’s some rare form of fish sauce that can’t be sourced anywhere else in the world, we should leave the condiments out of our bags.

“There are specific limits we have in our policy, so if you’re flying and your bags are delayed by the airline, we’ll put an immediate payment onto your PassportCard so you can go out and purchase some toiletries, replacement clothing – all the essentials you need to get by while your bags are delayed. Depending on the length of delay, those limits will increase over time,” Matthew says.

While that by no means insinuates a shopping spree in lieu of your luggage, it’s comforting to know that you won’t be sans toothbrush for too long.

It’s not always possible to avoid lost luggage. (Image: Yousef Alfuhigi)

4. Cancelled or delayed plans

There’s no way to prevent life from happening and, occasionally, that includes travel plans falling through. A good rule of thumb to minimise the fallout is to ensure the trip is completely decided on, and that no one involved is likely to have a change of heart.

“If it’s something that’s outside [a traveller’s] control and unforeseeable when they purchase their policy, then we’ll always look to consider that,” Matthew explains. “If they’ve just changed their mind or have a change of plans, then that’s not something we’d typically look at.

“We see most people take out a policy about two weeks before departure, and I think the important thing to keep in mind is that if something goes wrong before departure, you’ve got that in place to cover you if something unforeseen happens before you leave.”

This might be a sign to adopt the mannerisms of an organised holiday-maker who has considered every minor detail.

Sometimes, travel plans simply fall through. (Image: Jeshoots)

5. Dental work

No, this doesn’t include elective surgery for those seeking a straighter, whiter smile. It does, however, include unexpected problems that impact your teeth.

“If you’re overseas and you suffer a new condition that’s related to your teeth, we will cover the emergency costs to get that looked after,” Matthew says.

“We typically see people who are eating and a tooth might crack, or develop an infection that wasn’t chronic or ongoing beforehand. The policy will look to cover and support our customers for that treatment they need overseas.”

Be covered for dental emergencies. (Image: Benyamin Bohlouli)

6. Loss of income

Knock on wood, but if something happens while on vacation that prevents a traveller from returning to their place of employment – whether that’s an accident or an illness – PassportCard can cover the loss of income up to a certain amount.

To prevent or minimise the risk of any of these situations popping up, Matthew has some sage advice. “Research and research and keep researching. You want to make sure you look at the culture, the customs, the attractions and what the typical risks are in those areas.

“I also look at embracing technology, so if I’m travelling and I want to look at some offline maps or translations – things like phrases to get me by in some of these areas – then I feel it always helps manage the risk when travelling overseas.”

Travel doesn’t always run smoothly. (Image: Gerrievander Walt)

Get a quote for travel insurance before your next overseas getaway by visiting passportcard.com.au .

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Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Snowbird Advisor Insurance

COVID-19 Travel Insurance Coverage Options - UPDATE LEARN MORE

The Insurance Specialists for Snowbirds, Boomers and Seniors

Debunking the top 7 travel insurance myths.

We're setting the record straight about the most common travel medical insurance myths...

Last Updated: December 5, 2023

When it comes to Canadian travel insurance coverage, an overwhelming amount of misinformation is being circulated through websites, social media and even friends and family.

Unfortunately, all of this conflicting and inaccurate information has resulted in confusion about travel insurance coverage among Canadian snowbirds and other travellers, which can have serious negative implications when it comes to cost, coverage, treatment and claims.

At Snowbird Advisor Insurance, one of our primary goals is to educate travellers about the intricacies of travel insurance.

To help set the record straight, we have debunked some of the most common myths and misconceptions about Canadian travel insurance below so travellers can get the right coverage at the right price and avoid potential pitfalls - regardless of where they obtain their travel insurance coverage:

MYTH #1: My Provincial Government Health Insurance Plan (GHIP) will cover my expenses if I get sick or injured while travelling.

Some Canadian travellers are under the impression that they don’t need to obtain travel medical insurance because their Provincial government health insurance plan (i.e. OHIP in Ontario, MSP in British Columbia, AHCIP in Alberta, etc…) will cover their expenses if they become sick or injured while travelling.

Unfortunately, this couldn’t be further from the truth.

Provincial GHIP generally only covers a small percentage of emergency medical expenses incurred while travelling.

For example, for typical emergency medical treatment received in the U.S., which can cost upwards of $10,000 USD per day for a hospital stay, the Ontario Health Insurance Plan (OHIP) would only cover approximately 2% - 5% of the cost , leaving the traveller on the hook personally to cover the other 95% - 97%.

In addition, GHIP generally doesn’t cover related costs such as air ambulance, ambulance, prescription drugs and transportation back to your home province.

You can learn more about What Canadian Travellers Need to Know About Provincial Health Insurance Coverage here.

MYTH #2: I don’t need travel insurance if I am only travelling within Canada.

While most provinces in Canada – with the exception of Quebec – have reciprocal agreements that will cover the cost of emergency medical treatment when you’re travelling in another province, it’s important to be aware that every province has different rules with respect to what they will cover and limits on how much they will cover, and some expenses aren’t covered at all .

The result is that there are often gaps in coverage that can leave travellers who receive emergency medical treatment in another province personally on the hook for thousands - or even tens of thousands of dollars - in expenses that aren’t covered by GHIP.

And although your exposure for out-of-pocket expenses is often much lower than it would be if you received treatment in the U.S. or another international destination, significant financial losses are still a very real possibility.

Accordingly, it is highly advisable for Canadians travelling outside their home province within Canada to obtain travel medical insurance.

Fortunately, because claim amounts are generally much lower for domestic travel than international travel, insurance premiums for travel exclusively within Canada are significantly less expensive - sometimes up to 50% less.

You can learn more about The Need for Travel Medical Insurance Coverage While Travelling in Canada here.

MYTH #3: My friend got a lower price on travel insurance from their provider, so their provider must have the lowest prices for everyone

Just because a friend or family member received the lowest premium on travel insurance from a particular provider, it doesn’t necessarily mean you will also get the lowest premium from that provider.

This is because travel insurance companies evaluate risk factors like age, medical conditions and trip duration to help determine their premiums, and every insurance company evaluates each type of risk differently, which can result in very different premiums based on a travellers unique set of circumstances.

For Example:

Two travellers are both 65 years old and travelling for 90 days, but they each have a different medical condition.

Both travellers compare travel insurance quotes from Company A and Company B.

Based on their different medical conditions, one traveller gets a lower premium from Company A and the other traveller gets a lower premium from Company B.

In this case, Insurance Companies A and B have assessed the risk of each traveller’s respective medical condition differently and priced their premiums accordingly. The same principle would apply to other risk factors like age and trip duration.

The bottom line is, no single insurance provider offers the lowest premium for every traveller in every situation. The only way travellers can truly find out which provider offers the lowest premiums for their unique set of circumstances is to shop around and compare premiums from multiple providers .

In addition, when comparing premiums travellers need to make sure they are comparing apples to apples with respect to coverage benefits. Buying a travel insurance policy based on price alone can be dangerous, as any money you save up-front could end up costing you much more down the road if it doesn’t cover you when you actually need it.

You can learn more about What Canadian Travellers Need to Know About Travel Insurance Prices here.

MYTH #4: I don’t have to disclose a medical condition on my travel insurance medical questionnaire if I don’t think it is relevant.

When applying for travel medical insurance, it is essential to answer any medical questions truthfully and accurately - it’s not up to you to decide which medical conditions and medications are relevant.

Failure to fully and accurately disclose your medical history can be grounds for your insurance company to deny your claim, even if the claim is unrelated to a medical condition you failed to disclose . In fact, failure to answer medical questions fully and accurately is the number one reason travel medical insurance claims are denied .

It doesn’t matter if your failure to disclose is intentional or unintentional , which means that even an honest mistake may result in your policy being voided or your claim being denied. So, if you’re uncertain about your medical conditions or have any questions, make sure you speak to your doctor before submitting your travel insurance application.

If you are taking a medication to control a medical condition, remember that you still have the underlying medical condition and need to disclose it . For example, if you have high blood pressure and the condition is being controlled by medication, you still need to disclose that you have high blood pressure.

And if you are tempted to intentionally provide inaccurate or incomplete information in the hopes of getting a lower premium or coverage for an ineligible medical condition – don’t. If you ever make a claim, your insurance company has the right to review your medical records and will become aware of the missing or inaccurate information, giving the grounds to deny your claim.

You can learn more about Travel Insurance Disclosure Requirements here.

MYTH #5: I don’t have to notify my travel insurance provider if there are any changes to my health after I purchase my policy.

Many travellers aren’t aware that they have an ongoing obligation to notify their travel insurance provider of any changes to their health after they purchase their policy and prior to travelling.

If you experience ANY change to your health or medical situation prior to departing on your trip, contact your travel insurance provider as soon as possible to inform them of the change, as it may affect your eligibility, premiums or stability requirements.

Failing to disclose changes to your health or medical situation after you purchase your policy and prior to departing on your trip may result in your claims being denied.

And remember, any changes to your health really does mean any changes, including:

• increases and decreases in medication dosages
• starting or stopping medications
• having diagnostic tests for potential changes to existing medical conditions or new medical conditions, even if those changes/conditions are not yet diagnosed.

Changes to your medical condition after you purchase your policy and prior to departing on your trip can affect your coverage in a number of different ways, including:

• No change in your premiums or coverage;
• An increase in your premium;
• Certain medical conditions being excluded from coverage; or
• Cancellation of your policy and a refund of your premium if the new condition is severe enough that your insurer won’t cover it.

While some of these outcomes may be very disappointing, it is better to know where your coverage stands before you leave on your trip rather than face a potential financial disaster by have your claim denied after the fact.

You can learn more about What You Need to Do After You Purchase Your Travel Insurance and Before You Leave on Your Trip here.

MYTH #6: All of my pre-existing medical conditions will be covered under my travel insurance policy.

Depending on the type of travel insurance policy you have, some of your pre-existing medical conditions may not be covered under your policy due to “stability” requirements.

Most travel medical insurance policies contain what is commonly referred to as a “stability” clause.

These clauses require your pre-existing medical conditions to be “stable” for a defined period of time prior to the date you leave on your trip . The stability period varies from policy to policy, but is often 90, 180 or even 365 days leading up to your departure date.

If there are any changes to one of your pre-existing medical conditions during the stability period, that condition will be excluded from coverage , meaning your policy will not cover any expenses you incur that are related to that condition while travelling.

This including some changes you may not think of such as starting or stopping a medication, increasing or decreasing the dose of a medication or seeing a doctor or receiving diagnostic testing related to a potentially new medical condition, even if that condition has not yet been diagnosed.

It’s also very important to be aware that under a stability clause, any medical treatment for a condition related to an excluded condition would also be excluded from coverage .

For example, if a traveller has diabetes which does not meet the stability requirements of their policy, treatment for diabetes would clearly not be covered. However, if they were to have a heart attack while travelling and the heart attack could be linked to their diabetes, it is possible that treatment costs for the heart attack would also not be covered.

To avoid potential issues related to stability clauses, travellers should consider a “Personalized” travel medical insurance policy that covers pre-existing medical conditions with no stability requirement .

You can learn more about Why You Should Consider a Travel Insurance Policy With NO Stability Period here.

MYTH #7: I don’t need to contact my travel insurance provider before seeking medical treatment while travelling.

Whenever possible, travellers should contact their travel medical insurance provider before seeing medical treatment.

All travel medical insurance policies include language that requires you to contact your travel insurance provider’s 24/7 Emergency Assistance Centre prior to obtaining medical assistance.

Your policy will also likely include language stating that if it is impossible to contact your provider’s Emergency Assistance Center prior to obtaining medical treatment , you or some on your behalf must contact your provider as soon as possible . This would apply in cases where urgent care is required, for example, if the you are having a heart attack or are injured in a car accident.

The exact wording of these clauses will differ depending on your provider, but it’s important to comply with these requirements, as failing to contact your provider in accordance with the terms of your policy may result in some or all of your medical treatment costs not being covered under your policy.

There are many reasons why travel insurance providers require you to contact them before seeking treatment, including:

• Directing you to treatment providers: Travel insurance providers have a roster of preferred hospitals, clinics and physicians and whenever possible will direct you to one of these facilities for treatment to help ensure the quality of care you receive, that the treatment provider is appropriate for the treatment you require and to allow them to better coordinate and manage your care.
• Arranging direct billing with your treatment provider: In many cases, your insurance provider will be able to arrange direct billing for your claim with one of their preferred treatment providers so you won’t need to incur any out-of-pocket medical expenses. Otherwise, you may need to cover these costs out of pocket and seek reimbursement from your insurance provider later.
• Simplifying the claims process: If your insurance provider coordinates your care and treatment from the beginning, they can usually obtain most of the necessary documents and information directly from your treatment provider, which can help speed up and simplify your claim.
• Informing you if your treatment is covered: Contacting your provider before seeking treatment allows them to inform you if the treatment you are seeking is covered by your policy and if there are any coverage limits or restrictions prior to receiving treatment.
• Determining if your treatment is “medically necessary”: Emergency travel medical insurance only covers treatments that are considered “medically necessary”. For example, your insurance company may not recognize some diagnostic, medical and laboratory procedures as "emergency" benefits or necessary under your circumstances. If you receive treatments that are not considered to be medically necessary by your insurer, they may not be covered under your policy, and you may have to pay for them personally. Contacting your provider before seeking treatment can help reduce this risk.

You can learn more about Why You Should Contact Your Travel Insurance Provider Before Seeking Medical Treatment here.

Disclaimer:  The material provided in the Snowbird Advisor Insurance Learning Centre is for informational purposes only and does NOT constitute insurance, legal, financial or other advice, and should not be relied on as such. If you require such advice, you should speak with a qualified professional to assist you.

Travel Insurance:

Manulife coverage is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company , a wholly-owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.* Manulife and the Block design are trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license. 

Blue Cross coverage is underwritten by Canassurance Hospital Service Association and/or Canassurance Insurance Company .*

* Certain terms, conditions, limitations, and exclusions apply, see policies for details. Some products may not be available in all provinces.

Home & Auto Insurance:

Home and Auto insurance is arranged by Canadian Insurance Alliance (2018) Inc. o/a HUB SmartCoverage (all rights reserved) and is underwritten by a number of Canadian insurers.

For more than 20 years, HUB SmartCoverage has worked with some of the largest insurance companies in Canada, servicing the home and auto insurance needs of Canadians in Alberta, Ontario and the Atlantic provinces, as well as providing residents of British Columbia with home insurance solutions.